Step 4 Tips for Success
- Continue to track your expenses and evaluate your categories with these three questions. Make a conscious effort to ask the three questions before making purchases and note your reactions.
- There are many ways of creating a monthly tabulation – you can arrange it differently, use different symbols or other marks that make sense to you. The important point is to ask yourself the three questions EVERY month, for EVERY category, and use this reflection exercise to determine what kinds of choices you want to make in the future.
- Imagine not buying anything in a way that adds debt expenses (interest, finance charges) to your tabulation. How would your buying patterns have to change?
- Take some time to envision, in detail, what your life could be like when you have financial independence. What does it reveal about your values?